Where Credit, Savings & Debt Move in One Direction — Forward.
Since 2022, Total Credit Access has helped American households and businesses secure loans, protect assets, and grow wealth — under one roof, with one advisor who actually remembers your name.
Built in 2022 to break the debt cycle — not just manage it.
Total Credit Access was founded in Bristol, Vermont with a single conviction: Americans deserve a financial partner who treats credit, savings, and debt as one connected system — not three product lines sold in silos.
Today, our advisors serve clients across all 50 states, holding the fiduciary standard on every recommendation. We don't earn commission on what we sell you — we earn trust on what we build with you.
3+
Years of Trusted Service
Our Vision
To become the most trusted independent financial partner for American households and small businesses by 2030 — measured not by assets under management, but by the number of families we help reach zero high-interest debt.
Our Mission
To break the cycle of debt and rebuild financial confidence through transparent, integrated services — combining lending, insurance, and investing into one coordinated plan that adapts as your life changes.
Our Values
Integrity over commission — always.
Transparency in every fee, every term.
Client-first, no exceptions, no upsells.
Education before transaction.
Our Principles
We don't sell products — we engineer outcomes.
We hold the fiduciary standard, in writing.
We plan in decades, not quarters.
By the numbers
Numbers we are proud to publish.
Every figure below is audited annually and reflects our work from founding through Q4 of this year.
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Year Founded
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States Served
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Clients Helped
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Capital Managed
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Avg Client Rating
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Industry Awards
Why choose us
Six reasons American families pick us over a bank.
Banks sell you what's profitable for them. We engineer what's optimal for you — and the difference shows up in writing.
One Roof, Full Spectrum
Loans, insurance, investments, taxes, and estate planning under a single advisor who sees your complete financial picture — not five departments passing you around.
Licensed in All 50 States
From Vermont to California, our NMLS-licensed advisors and SEC-registered planners operate coast to coast — so your plan travels with you, wherever life moves.
Transparent, Fee-First
You see every fee before you sign. No hidden trailers, no commission steering, no surprise line items. We work for you — not the product manufacturer.
Dedicated Human Advisor
One named advisor. Direct phone. Same face every year. No call-center roulette, no junior associate rotation — just one person who knows your goals by heart.
Bank-Grade Security
256-bit encryption, dual-factor everything, biometric mobile access, and SOC 2 Type II infrastructure. Your data is protected to the standard the largest banks use.
24/7 Client Portal
Live balances, document vault, e-signature, secure messaging, and appointment booking — accessible from any device, day or night, without picking up the phone.
How we work
Four conversations stand between you and a clearer financial life.
Our process is intentionally unhurried — because decisions made in decades, not quarters, deserve time.
01
Discovery
A 60-minute conversation where we listen — to your goals, your debts, your family, your fears. No pitch. We map your full financial picture.
02
Strategy
Within 7 days, you receive a written plan: debt paydown order, insurance gaps, investment allocation, and a 10-year projection — yours to keep.
03
Execution
We coordinate the lenders, carriers, custodians, and CPAs. You sign once. We handle paperwork, applications, and the back-and-forth.
04
Stewardship
Quarterly reviews, annual replans, and proactive outreach when life changes. We don't disappear after the signature — that's when the work begins.
Loan services
Six loan products. One underwriting desk. Faster yes.
From first mortgage to gap-filling personal loan — every application is reviewed in-house by the same team that signs your plan.
Home Loan
Conventional, FHA, VA & jumbo. Rates locked within 14 days of application, with no lender-paid junk fees buried in the small print.
From 5.875% APR30-yr Fixed
Education Loan
Federal refinancing and private gap coverage for undergrad, grad, and parent PLUS — with income-driven repayment strategy baked in.
Refi from 4.49%Fixed / Variable
Business Loan
SBA 7(a), working capital, equipment, and merchant cash advance alternatives — underwritten in-house for businesses 2+ years operating.
$25K – $5MSBA / Conv.
Auto Loan
New, used, and refinance. Pre-approvals valid for 60 days, so you walk into the dealership with cash-on-the-barrelhead leverage.
From 5.99% APRPre-Approval
Personal Loan
Unsecured up to $50,000 for debt consolidation, home improvement, or life events. Same-day decision, funding in 48 hours.
Up to $50,000Same-Day Decision
Mortgage Loan
Purchase, refinance, and cash-out. 30-year fixed from 5.875% APR with PMI removal strategy built into year one of the plan.
From 5.875% APRPurchase / Refi
Pre-qualify for a loan in 4 minutes — no credit pull.
See your real rate and term before a single hard inquiry hits your report. Soft-pull only, instant decision, no obligation.
Nine policies. One advisor who actually knows your name.
Auto, home, life, health, and the niche policies other brokers won't touch — all compared across 12+ A-rated carriers, all in one annual review.
Auto Insurance
Full tort, liability, comprehensive, and rideshare endorsements — compared across 12 carriers in one quote. Bundled discounts applied automatically.
From $39/mo12-Carrier Compare
Health Insurance
ACA marketplace, employer group, Medicare Advantage, and supplemental — with subsidy optimization built into every plan we quote.
ACA / MedicareSubsidy Optimized
Home Insurance
HO-3, HO-5, condo, renters, and landlord policies — with flood and sewer backup endorsements for high-risk ZIP codes.
From $812/yrHO-3 / HO-5
Life Insurance
Term, whole, and universal life — underwriting in 9 days for healthy applicants. No-exam term up to $1M for qualified clients.
From $18/moTerm / Whole / Univ.
Travel Insurance
Trip cancellation, medical evacuation, adventure-sport riders, and annual multi-trip policies for frequent international travelers.
From $42/tripSingle / Annual
Mortgage Insurance
PMI removal strategy, lender-paid mortgage insurance analysis, and borrower-paid policy reviews — we help you stop paying it sooner.
PMI StrategyRemoval Roadmap
Burial Insurance
Final expense whole-life with no medical exam — guaranteed issue up to $25,000, with locked-in level premiums for life.
Up to $25,000No Exam
Pet Insurance
Accident, illness, and wellness coverage with 90% reimbursement — multi-pet discounts and direct vet pay available.
From $24/mo90% Reimburse
Business Insurance
General liability, BOP, E&O, cyber, workers' comp, and commercial auto bundles — for LLCs through mid-market operations.
BOP / GL / CyberBundle & Save
Free insurance audit — we'll find your coverage gaps in 20 minutes.
Bring your current declarations pages. We'll cross-check limits, deductibles, and exclusions, then show you where you're overpaying or under-protected.
Fiduciary, fee-only, and rebalanced quarterly — your portfolio answers to you, not to a product manufacturer's quota.
Investment Management
Fiduciary, fee-only portfolio management. Diversified across equities, fixed income, alternatives, and cash — rebalanced quarterly, tax-loss harvested opportunistically, and stress-tested against your withdrawal timeline. Starting AUM: $100,000.
From 0.65% AUMFiduciary Standard
Stock Investment
Direct indexing and thematic equity sleeves — build a portfolio around your values (ESG, sector tilts, factor exposures) without paying mutual fund expense ratios. Tax-efficient by design.
Direct IndexingTax-Aware
Gold Investment
Physical bullion (allocated storage), gold ETFs, and gold-mining equity exposure — sized as a 3–8% inflation hedge within a diversified portfolio. Vault audits annually.
Physical / ETFAllocated Storage
Mutual Funds
No-load, low-expense-ratio funds curated across active and passive managers. We screen for tax efficiency, manager tenure, and tracking error — never commission share classes.
No-Load OnlyLow Expense Ratio
Get a free portfolio stress-test — find your hidden risks.
Send us your last statement. Within 72 hours, we'll send back a written analysis: concentration risk, fee drag, tax inefficiency, and three concrete recommendations — yours to keep.
Free, no obligation, no pressure. Tell us what you're working on — we'll tell you if we can help.
Client reviews
What 12,400 American households say about working with us.
Verified, unedited, and published with permission. Average rating across 2,800+ reviews: 4.9 out of 5.
"We came in with $84,000 in credit-card debt and a mortgage we couldn't refinance. Three years later, the cards are gone, the mortgage is at 5.875%, and we have an actual investment account. The plan worked because they actually listened first."
SM
Sarah MitchellDenver, CO · Loan & Debt Relief
"I bundled auto, home, umbrella, and life insurance through their audit. Same coverage, $1,840 less per year. They found a flood-zone gap I didn't even know I had. Genuinely the most thorough insurance review I've ever had."
JP
James PattersonAustin, TX · Insurance Bundle
"My advisor restructured my portfolio from a 1.4% expense-ratio mutual fund mess into a clean direct-indexing strategy. Fees dropped, after-tax returns up, and I finally understand what I own. Worth every basis point."
ER
Emily RodriguezSeattle, WA · Investment Management
"Closed on a $612,000 mortgage in 21 days — start to finish. No junk fees, no last-minute surprises, no extended locks. They even built a PMI removal roadmap that saved me another $180/month starting year two."
MC
Michael ChenBoston, MA · Mortgage Loan
"My credit score went from 612 to 689 in seven months — exactly the timeline they quoted. They walked me through every dispute, every authorized-user strategy, and the timing of every application. No magic, just discipline and the right sequence."
"As a small-business owner, my finances were a tangle of personal and corporate accounts. They built a clean structure — QSUB election, retirement plan, key-person life, and an estate plan that protects my family. One advisor, one coordinated plan."
DO
David OkaforMinneapolis, MN · Wealth Management
Frequently asked
Eight questions we answer most often.
If yours isn't here, just call (603) 336-6092 — a real person picks up.
We offer an integrated suite of financial services across four pillars: lending (home, business, personal, auto, education, mortgage), insurance (auto, home, life, health, travel, mortgage, burial, pet, business), investing (management, stocks, gold, mutual funds), and specialized finance (wealth management, retirement, credit repair, debt relief, tax planning, estate planning, and more). Every service is delivered by one named advisor who sees your complete picture.
Personal loans receive a same-day decision with funding in 48 hours. Auto loans are pre-approved within 24 hours, valid for 60 days. Mortgages typically close in 21–30 days from application, with rate locks available within 14 days. Business loans vary by complexity — SBA 7(a) loans take 30–60 days, while working capital lines can fund in 5–7 business days.
It depends on the product. Conventional mortgages typically require 620+, FHA loans accept 580+ (and sometimes 500–579 with 10% down), VA loans have no official minimum but most lenders want 580+. Personal loans generally require 600+. We also offer credit score repair services — the average client gains 73 points in 6 months, often unlocking dramatically better rates.
Fee-only, fiduciary, and transparent. Investment management starts at 0.65% of assets under management, declining to 0.45% above $1M and 0.35% above $5M. Wealth management and private client tiers add a flat monthly retainer ($299–$999) for planning, tax, and estate work. We never accept commissions, 12b-1 fees, or trailers from product manufacturers — our only revenue is the fee you pay us directly.
Yes. We are licensed to write insurance in all 50 states and the District of Columbia. Our advisors hold resident and non-resident licenses across auto, home, life, health, and commercial lines, and we maintain appointments with 12+ A-rated national carriers. If you move states, your coverage and your advisor stay with you — no handoff required.
Absolutely — and we recommend it. Bundling auto and home with a single carrier typically saves 12–18% on both policies, and adding an umbrella policy on top unlocks further multi-line discounts. During your annual insurance audit, we run multi-carrier bundle scenarios side-by-side so you can see exactly which combination delivers the best coverage per dollar.
Our debt relief program offers three pathways depending on your situation: (1) negotiated settlements for accounts already in collections, (2) debt management plans (DMPs) that consolidate credit-card payments at reduced interest rates, and (3) consolidation loans for those who still qualify. We charge no upfront fees — we are only paid when a settlement is successfully negotiated and accepted by you. The first consultation is free.
Three ways: call us directly at (603) 336-6092, email info@totalcreditaccess.info, or fill out the booking form above. The first 30-minute consultation is always free and carries no obligation. We'll listen to your situation, ask clarifying questions, and tell you honestly whether we can help — and if we can't, we'll refer you to someone who can.
Contact us
Three ways to reach a human — not a queue.
Call, email, or send a message below. An advisor responds within 1 business day, always.
Visit our office11 Liberty St, Bristol, Vermont 05443, USA
Office hoursMon – Fri: 8AM – 7PM ET Sat: 9AM – 2PM ET
The Sunday Brief
One email every Sunday. Markets, money, and the week ahead.
A 5-minute read from our advisors — what moved markets, what to watch, and one actionable insight for your financial life. Free, no spam, unsubscribe anytime.
Privacy Policy
Last updated: January 2025
Total Credit Access ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data in compliance with U.S. federal and state regulations, including GLBA, CCPA, and applicable state laws.
Information We Collect
Personal identifiers: name, address, date of birth, Social Security number (when required for loan or investment applications).
Usage data: pages visited, time on site, IP address, browser type — collected via cookies and analytics.
How We Use Your Information
To provide the financial services you request — loan applications, insurance quotes, investment management.
To communicate with you about your accounts, appointments, and service updates.
To comply with legal and regulatory obligations under federal and state financial services laws.
To improve our website, services, and client experience through aggregated, anonymized analytics.
How We Share Your Information
We do not sell your personal information. We share data only with: (1) financial institutions and carriers necessary to deliver your requested services, (2) credit bureaus as required for loan underwriting, (3) regulatory authorities as required by law, and (4) professional advisors (attorneys, CPAs) acting on your behalf with your written consent.
Data Security
We maintain 256-bit AES encryption in transit and at rest, dual-factor authentication, biometric access controls, and SOC 2 Type II certified infrastructure. Access to your data is restricted to authorized personnel with a legitimate business need.
Your Rights
Depending on your state of residence, you may have the right to: access your personal data, request correction, request deletion, opt out of certain processing, and receive a copy of your data in a portable format. To exercise any of these rights, contact us using the information below.
Cookies
We use essential cookies to operate the website and analytics cookies to understand usage. You can control cookies through your browser settings. Disabling all cookies may affect site functionality.
Contact Us
Phone: (603) 336-6092
Email: info@totalcreditaccess.info
Terms & Conditions
Last updated: January 2025
Welcome to Total Credit Access. By accessing our website or engaging our services, you agree to the following terms and conditions. Please read them carefully.
Acceptance of Terms
By using this website or any service provided by Total Credit Access, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please discontinue use of the site and our services.
Services
Total Credit Access provides financial advisory services including loans, insurance, investments, wealth management, credit repair, and related financial products. Specific terms for each service will be outlined in a separate service agreement provided before engagement. All investment advisory services are provided under a fiduciary standard where applicable.
User Obligations
You agree to provide accurate, complete, and current information in all forms and communications.
You authorize us to verify your identity and financial information through credit bureaus and other third-party sources.
You agree not to use the site for any unlawful purpose or in violation of any applicable federal or state regulation.
You are responsible for maintaining the confidentiality of your account credentials.
Intellectual Property
All content on this website — including text, graphics, logos, images, and software — is the property of Total Credit Access or its licensors and is protected by U.S. copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.
Disclaimers
This website is provided "as is" without warranties of any kind, express or implied. Investment information provided is for educational purposes and does not constitute personalized investment advice unless delivered in a signed advisory agreement. Past performance is not indicative of future results. Insurance products are subject to underwriting and availability by carrier.
Limitation of Liability
To the maximum extent permitted by law, Total Credit Access shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website or services. Our total liability for any claim shall not exceed the fees paid by you in the twelve months preceding the claim.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Vermont, without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Vermont.
Changes to Terms
We reserve the right to modify these Terms at any time. Updated terms will be posted on this page with a revised "last updated" date. Continued use of the site after changes constitutes acceptance of the new terms.
